Re: Charge off Question

This will probably end up being moved to the rebuilding forum... however; my experience is that you can write a letter requesting a settlement. At that time they will either accept or deny or counter offer. You can also offer a payment for deletion of the entire tradeline from your report. Again; the first step is to make contact with the creditor.

Re: Charge off Question

So it is not with collections yet but I am worried that they may be in the process of sending it to them.

So hypothetically -- If it does go to collections, do I still make the PFD arraignment with the Original lender or would I have to do it with Collections now? Who would be the one with the authority the remove the CHARGE OFF that is being reported currently by AES?

So it is not with collections yet but I am worried that they may be in the process of sending it to them.

So hypothetically -- If it does go to collections, do I still make the PFD arraignment with the Original lender or would I have to do it with Collections now? Who would be the one with the authority the remove the CHARGE OFF that is being reported currently by AES?

Sorry, to clarify - Charge off that was reported by AES in 2010 not Currently

Re: Charge off Question

Before you move forward with a settlement call and ask if they have a rehabilitation program which would remove negative reporting. if they do not; ask them to settle. I will flag your post and ask moderator's to move to the student loan forum; those guys know more about your options than I do. I assummed this was a credit card charge off..

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